David Ramirez
$1,050,000$1,100,0005 bd4.5 ba4,361 sqft$241 /sqft$7,704 /mo all-in ↓

7004 MAINLAND AVENUE, APOLLO BEACH, FL, 33572

Active178 days on marketListed Feb 5, 2026MLS #TB8472759

Reduced $50KPrivate poolSingle Family ResidenceWATERSET PH 5A-2B & 5B-1

About this home

7004 MAINLAND AVENUE

HUGE PRICE REDUCTION!!! Welcome to this beautiful POOL HOME located over half an acre within the Resort- style community of Waterset. This impressive, two story house offers a rare layout with two primary master suites and thoughtfully designed spaces for both every day living and entertaining. As you enter, the open foyer immediately creates a welcoming sense of space and style that carries throughout the home. The entry opens with an expensive main living area featuring an open design that connects the living room, dining, space, and kitchen, seamlessly. Plantation shutter throughout the home ads character and allow natural light to enhance every room, a private office or study on the floor provides the ideal setting for working from home or quite relaxation. The kitchen is designed to impress, equipped with premium appliances, generous counter, space, and expensive cabinetry overlooking the main living area, it creates the perfect setting for hosting guests or enjoying casual family meals. Outdoor living, truly shines with resort style backyard the heated pool, spacious patio, create an ideal environment for entertaining year around with your landscaping, surrounds the space, offering privacy and a peaceful atmosphere. One primary suite is conveniently located on the first floor features a luxurious bathroom with double vanity and a walk-in closet . Upstairs a flexible, loft area offers endless possibilities, whether used as a media room, play space, or additional lounge. The second primary suite upstairs provides a private retreat with an en suite bathroom and walk-in closet. High-quality finishes and attention to detail are showcase throughout the home located in the sought neighborhood. The home features a complete laundry room with upgraded cabinets and a deep utility sink. Outdoor living is enhanced by a screened enclosure, travertine decking, and a heated pool with a waterfall, creating an ideal space for relaxation and entertaining. A gas line is already in place, offering the opportunity to add a future outdoor kitchen. Additional upgrades include hurricane shutters, epoxy quoted garage floors, . The property is also equipped with a full gutter system, and a water softener adding both convenience in long-term value. This property combines quiet living with easy access to shopping, dining, and entertainment. Schedule your private tour today and discover a home that delivers comfort, space, and elegance in every detail.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

4,361

Sqft

0.52 ac

Lot size

3

Garage

2021

Year built

Two

Levels

$241

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Solid Surface Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesSouth
ExteriorHurricane Shutters · Irrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$13/mo
Taxes (2024)$17,656/yr
PetsYes
CommunityDock · Fishing · Lake · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Irrigation-Reclaimed Water · Park · Playground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$7,704 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property tax — 2024 actual bill$1,471
HOA fee — from the listing$13
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $105,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $105,000
Interest rate6.00%
Loan term

Estimated payment

$7,704/mo

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property taxes (actual bill)$1,471
HOA / condo fee$13
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $1.1M
$996KedgeAI estimate $1,406,503 · range $1.0M$2.1M$2.2M

vs edgeAI estimate

−25.3%

$/sqft vs Apollo Beach actives

$241 vs $227

Days on market

178 vs 56 typical

Where $241/sqft sits among the 383 Apollo Beach actives

136
125 · this home
33
26
24
39
$151–208$208–265$265–322$322–378$378–435$435+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Waterset

Map of 7004 MAINLAND AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa29 min
Tampa Int’l Airport (TPA)42 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Apollo Beach. See the full Apollo Beach guide →

Waterset — neighborhood snapshot

Population

6,572

Median age

36

Median income

$121,993

Median home value

$425,364

Avg household

3

Households w/ children

975

For the school run

Hillsborough County School District

HighLennard High School★★★★★
ElementaryDoby Elementary School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apollo Beach market

Seller’s marketLeans buyer7.3 months of inventoryBuyer’s market

$450K$472K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

220 of 383

Apollo Beach actives have cut their price

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 139% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,050,000 $50K
Feb 5, 2026Listed at $1,100,000 · 178 days on market since
2021Built · WATERSET PH 5A-2B & 5B-1

Reality check

What actually sold near 7004 MAINLAND AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5516 MADRIGAL WAYSold · Aug ’25

$625,000

5516 MADRIGAL WAY · same community

4 bd · 3 ba · 3,174 sqft · $197/sqft · 158 DOM

7121 ESTERO COURTSold · Jun ’26

$655,000

7121 ESTERO COURT · same community

4 bd · 2.5 ba · 2,785 sqft · $235/sqft · 40 DOM

5601 LIMELIGHT DRIVESold · Nov ’25

$584,000

5601 LIMELIGHT DRIVE · same community

5 bd · 3 ba · 2,629 sqft · $222/sqft · 84 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 7004 MAINLAND AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 7004 MAINLAND AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

7004 MAINLAND AVENUE FAQs

What would the monthly payment be for 7004 MAINLAND AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,704/mo — principal and interest, the actual property-tax bill, the $13/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 7004 MAINLAND AVENUE?+

The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 7004 MAINLAND AVENUE?+

The most recent tax bill on record (2024) was $17,656. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 7004 MAINLAND AVENUE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Apollo Beach?+

At $1,050,000, this home is listed about 114% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.

Which schools are assigned to 7004 MAINLAND AVENUE?+

Lennard High School (high), Doby Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,050,000 runs 139% above the APOLLO BEACH 33572 median — but at 4,361 sqft it's also nearly twice the size of the typical Apollo Beach listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

178 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,100,000, now $1,050,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of FUTURE HOME REALTY INC · Naureen Merchant. MLS #TB8472759.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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